The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$9,884
−HK$620/mo
▼ 0.25% · 3.875%
HK$10,192
−HK$312/mo
Today · 4.125%
HK$10,504
baseline
▲ 0.50% · 4.625%
HK$11,143
+HK$639/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$21,008/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$65,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,996
−HK$594/mo
▼ 0.25% · 3.875%
HK$11,291
−HK$299/mo
Today · 4.125%
HK$11,590
baseline
▲ 0.50% · 4.625%
HK$12,201
+HK$611/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$23,180/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$65,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,861
−HK$744/mo
▼ 0.25% · 3.875%
HK$12,230
−HK$375/mo
Today · 4.125%
HK$12,605
baseline
▲ 0.50% · 4.625%
HK$13,372
+HK$767/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$25,210/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,195
−HK$713/mo
▼ 0.25% · 3.875%
HK$13,549
−HK$359/mo
Today · 4.125%
HK$13,908
baseline
▲ 0.50% · 4.625%
HK$14,641
+HK$733/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$27,816/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,838
−HK$868/mo
▼ 0.25% · 3.875%
HK$14,268
−HK$438/mo
Today · 4.125%
HK$14,706
baseline
▲ 0.50% · 4.625%
HK$15,600
+HK$894/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$29,412/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,394
−HK$832/mo
▼ 0.25% · 3.875%
HK$15,807
−HK$419/mo
Today · 4.125%
HK$16,226
baseline
▲ 0.50% · 4.625%
HK$17,081
+HK$855/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$32,452/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,792
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$18,345
−HK$562/mo
Today · 4.125%
HK$18,907
baseline
▲ 0.50% · 4.625%
HK$20,058
+HK$1,151/mo
Deposit HK$433K · loan HK$3.90M · min. income ≈ HK$37,814/mo (50% DSR)
Upfront cash ≈ HK$498K (deposit + AVD stamp duty HK$65,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,793
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$20,324
−HK$538/mo
Today · 4.125%
HK$20,862
baseline
▲ 0.50% · 4.625%
HK$21,962
+HK$1,100/mo
Deposit HK$433K · loan HK$3.90M · min. income ≈ HK$41,724/mo (50% DSR)
Upfront cash ≈ HK$498K (deposit + AVD stamp duty HK$65,021 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).